10 Powerful Truths to Fight Financial Discouragement

10 Powerful Truths to Fight Financial Discouragement

For anyone living check-to-check, nothing lifts the spirits like payday. In the days leading up to payday, we bite our nails as we check our shrinking account balances. The minute the direct deposit hits, we can breathe a sigh of relief. Margin feels good after living so close to the red line. That’s why they call it breathing room, right?

And for anyone living check-to-check, nothing can deflate like paying the bills. We watch our hard-earned dollars slip through our fingertips in a matter of minutes. The number on the calculator display shrinks as we write checks for life’s necessities. The deep breaths we took on payday are replaced by shallow gasps for air. It’s hard to fully inflate the lungs when the weight of our financial situation sits heavily on our chest.

I recently experienced this financially induced respiratory distress. My husband and I signed up for Dave Ramsey’s Financial Peace University (FPU). After hearing Dave’s pep talk and our leaders’ amazing story, I left our class feeling energized and encouraged. We mapped out a quick budget and “gave every dollar a name.” We can do this, I thought.

Then I sat down to pay first-of-the-month bills. Hopelessness killed my excitement. The number on the calculator wasn’t as high as I wanted it to be. I considered donating our FPU materials to someone who could do it because clearly, we were incapable.

As I considered the quick turn around of emotions, I recognized this as an attack from the enemy. You see, this journey toward financial peace is not a battle against flesh and blood. It is not a battle with my spouse, our checkbook, or our creditors. Ephesians 6:12 says, “For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms” (NIV). Our issues with money (overspending, underfunding, discouragement) are spiritual in nature.

If money problems are spiritual in nature, then we fight this spiritual battle with God's truths.Click To Tweet

If my money problems are, at their core, spiritual in nature, then I must figure out how to effectively fight this spiritual battle. One of the first steps in spiritual warfare is to identify the lies we believe and replace them with God’s truth. Following Jesus’s example from His forty days of temptation in the wilderness, we use Scripture to remind ourselves (and Satan) of God’s truths.

For me, the lie is “there are not enough resources to meet our needs.” God’s Word tells me otherwise.

10 Powerful Truths to Fight Financial Discouragement

10 Powerful Truths to Fight Financial Discouragement

“And my God will supply every need of yours according to his riches in glory in Christ Jesus” (Phil. 4:19, ESV).

“Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.” (1 Tim. 6:17, NIV).

“Consecrate yourselves, for tomorrow the Lord will do wonders among you” (Josh. 3:5, ESV).

“The young lions suffer want and hunger; but those who seek the LORD lack no good thing” (Ps 34:10, ESV).

“‘Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,’ says the Lord Almighty, ‘and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it'” (Mal. 3:10, NIV)

“For the Lord God is a sun and shield; the Lord bestows favor and honor. No good thing does he withhold from those who walk uprightly” (Ps. 84:11, ESV)

“Seek first the kingdom of God and his righteousness, and all these tings will be added to you. Therefore do not be anxious about tomorrow, for tomorrow will be anxious for itself. Sufficient for the day is its own trouble” (Matt. 6:34, ESV).

“Honor God with everything you own; give him the first and the best. Your barns will burst, your wine vats will brim over” (Prov. 3:9-10, MSG).

“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness’” (Matt. 25:21, NIV).

“For we are powerless against the great horde that is coming against us. We do not know what to do, but our eyes are on you” (2 Chron. 20:12, ESV) (My personal favorite!)


What lies leave you feeling discouraged? Be it financial struggles, a difficult relationship, or uncertainty about our future, let’s shift our gaze off of this “great horde” in front of us, and keep it fixed firmly on the One who provides, strengthens, and redeems!

Discouraged about your finances? Take a look at these verses for #finanicalpeace.Click To Tweet

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  1. Kelly, that was a great article! Thank you for sharing and most importantly, sharing the truth in God’s Word!! Personally, I am going through what Joel Osteen often describes in his teachings as a “season”. I was feeling somewhat down, to be honest. This article is exactly what I needed. Thank you for continuing to share. God Bless you and your family. Rom 15:13

  2. Praying for you. Hang in there! You can do it with God’s help! 🙂

  3. The irony is that I was sitting here looking at our debt payoff plan, got discouraged so I took a break and was scrolling FB. And of course I see your words there. This came right on time for me 🙂 While, we are so far from where we have come, I still get discouraged with how far it feels we have to go. I say this and I have a blog where our tagline is “Faith, Family and FINANCE” haha Even finance bloggers need this encouragement. Thanks so much for this, friend!

  4. Yay! This is perfect! One of the girls in our FP class is going through this exact thing! (I went through it in 2011 – the emotion part) I am sending her a link to this post. Thank your for all those scripture references. This is going to be great!♥

  5. Thanks for sharing this, Kelly. I love how God’s Word speaks into the everyday things of life. It’s easy to get caught up in our problems and stresses but it definitely helps when we can put our focus on God’s truth.

  6. Such a word in due season, Kelly! My husband and I had been right on track working the financial plan we believed God had put on our hearts. Then, blam, one financial disruption after another. Our spirits do grow tired sometimes, don’t they. Reading the ten truths altogether is so powerful! Thanks and blessings from your neighbor at Crystal’s.

  7. Thank you for sharing these tips. I really need not just to read them but to follow them. Thanks and blessings from your neighbor at Coffee for Your Heart.

  8. Kelly, you’re writing to the exact place I stand now. Thank you, thank you for this list of encouraging scriptures. They spoke powerfully to my heart today.

  9. What a great reminder, Kelly, that our finances like all things of the flesh are fought and won when we remember to fight them first in the spirit. Thank you for truths that encourage and equip, sweet friend, us for battle.

  10. These are very encouraging scriptures! Definitely something to bookmark and come back to for all sorts of issues that lead to discouragement.

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